` Comparison: SLF, SLM - Alpha Spread

SLF
vs
S
SLM

Over the past 12 months, SLF has outperformed SLM, delivering a return of +24% compared to the SLM's +11% growth.

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SLF
SLM
One-click summary across all key metrics.
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One-click summary across all key metrics.
Ranked results with clear takeaways.
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Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
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Valuation Comparison

SLF Intrinsic Value
112.67 CAD
Undervaluation 25%
Intrinsic Value
Price
S
SLM Intrinsic Value
Not Available
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Sun Life Financial Inc
TSX:SLF
84.59 CAD
S
Sanlam Ltd
JSE:SLM
8 787 Zac
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
SLF, SLM

SLF
SLM
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Revenue
www.alphaspread.com
Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Sun Life Financial Inc
Revenue
S
Sanlam Ltd
Revenue

All metrics are calculated based on data from the last 10 years.

Profitability Comparison

Free Cash Flow
SLF, SLM

SLF
SLM
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Sun Life Financial Inc
TSX:SLF
FCF is not applicable for financial companies
S
Sanlam Ltd
JSE:SLM
FCF is not applicable for financial companies
What is Free Cash Flow?

Gross Margin

SLF
SLM
LTM 3Y Avg 5Y Avg 10Y Avg
Sun Life Financial Inc
Not applicable for financial companies
S
Sanlam Ltd
Not applicable for financial companies

Operating Margin

SLF
SLM
LTM 3Y Avg 5Y Avg 10Y Avg
Sun Life Financial Inc
Not applicable for financial companies
S
Sanlam Ltd
Not applicable for financial companies

Net Margin

SLF
9.3%
SLM
17.4%
LTM 3Y Avg 5Y Avg 10Y Avg
Sun Life Financial Inc
S
Sanlam Ltd

FCF Margin

SLF
SLM
LTM 3Y Avg 5Y Avg 10Y Avg
Sun Life Financial Inc
Not applicable for financial companies
S
Sanlam Ltd
Not applicable for financial companies

ROE

SLF
12.5%
SLM
23.3%
LTM 3Y Avg 5Y Avg 10Y Avg
Sun Life Financial Inc
S
Sanlam Ltd

ROA

SLF
0.9%
SLM
2.1%
LTM 3Y Avg 5Y Avg 10Y Avg
Sun Life Financial Inc
S
Sanlam Ltd

ROIC

SLF
SLM
LTM 3Y Avg 5Y Avg 10Y Avg
Sun Life Financial Inc
Not applicable for financial companies
S
Sanlam Ltd
Not applicable for financial companies

ROCE

SLF
SLM
LTM 3Y Avg 5Y Avg 10Y Avg
Sun Life Financial Inc
Not applicable for financial companies
S
Sanlam Ltd
Not applicable for financial companies

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
SLF, SLM

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Performance Gap
SLF, SLM

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SLF
SLM
Difference
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Performance By Year
SLF, SLM

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SLF
SLM
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